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A little wonder, every day

The 1918 telegraph funds network

Титульна AI-згенерована ілюстрація операторки телеграфу в банківському офісі початку XX століття / AI-generated cover illustration of a telegraph operator in an early-20th-century bank office.
Map of the Federal Reserve leased-wire network, reproduced in the Federal Reserve History Fedwire essay from the Federal Reserve Bank of Richmond’s 1953 Annual Report.
Three-panel progression of Fedwire transmission technology, including teletype punch tape (1953), a leased terminal (1981), and FRCS-80 terminal (1982).
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Титульна AI-згенерована ілюстрація операторки телеграфу в банківському офісі початку XX століття / AI-generated cover illustration of a telegraph operator in an early-20th-century bank office.

Listen to fact0:00 / —

In 1918, the U.S. Federal Reserve launched a secure telegraph network for transferring reserve balances among its banks. Instructions were sent in Morse code. This was an early interbank payment network, not the world’s first money transfer: commercial telegraph transfers existed earlier.